As part of the planned expansion into online sales, AAA is considering investment in several items of IT hard and software. One such item is a centralised route planning piece of software (for the delivery vans). Lindsay believes this will lead to increased profitability. There are two possible choices of software that could be selected; the investment information and estimated cashflows for each software package is shown below: TT has a cost of capital of 10%. Each piece of software has a useful life of 4 years. The scrap value will be zero for both. Required: a) Calculate the accounting rate of return (average method) for each software package. (5 marks) b) Calculate the payback for each software package. (5 marks) c) Calculate the net present value for each software package. (10 marks) d) Advise T as to which software package should be chosen. (10 marks) e) Explain how the use of FinTech could be beneficially incorporated into the online retail sales project. (10 marks)